Gavin Poulton Just Mortgages

17/10/2026

15/10/2026

A lower credit score does not automatically mean a mortgage is out of reach.

If you have missed payments in the past, lenders may consider what happened, how long ago it occurred, the amount involved and your wider circumstances. 📋🏡

Each lender has its own criteria. Speaking openly with a mortgage adviser could help you understand which options may be suitable for your situation.

Read our blog to explore how credit history can affect a mortgage application: https://tinyurl.com/fwkxs2tp



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 06/10/2026

15/10/2026

Your credit score is only one part of your mortgage application.

Lenders may also consider your income, deposit, existing debts, regular spending and overall affordability when assessing your circumstances. 🏡📊

Looking beyond the headline number could help you understand your position. A mortgage adviser can explain how these factors may affect your options.

Read our blog to find out more about credit checks and preparing for a mortgage: https://tinyurl.com/fwkxs2tp



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 06/10/2026